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Natchitoches Parish FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Natchitoches Parish, Louisiana based on real HMDA transaction records.

Loan Details

Natchitoches Parish, LA Benchmarks

FHA averages
Typical Property Value$209,324
Average Down Payment9.5%
Average Interest Rate6.332%
Effective Tax Rate0.40%
Median Tax Paid$755/yr
Tax Growth (Historical)-4.4%
Based on 111 regional loans totaling $19,995,000 (HMDA database).
$
%

$19,886 down · $189,438 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$70 / month

$

Annual premium

$

Per month

%

$80 / month

Estimated Monthly Payment

$1,497/mo

  • Principal & Interest$1,197
  • Property Tax$70
  • Home Insurance$150
  • FHA MIP$80
Amortization · Remaining Balance

Financed Loan Amount

$192,753

Total Interest

$238,117

Total of Payments

$430,871

*Includes financed FHA Upfront MIP of $3,315

Local Market Insights

Natchitoches Parish FHA Mortgage Overview

For Natchitoches Parish homebuyers, the 9.52% average down payment on this FHA loan data highlights accessible entry, though it means mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s full term, regardless of equity. With a 90.48% Loan-to-Value ratio, this market is ideal for buyers with sub-620 credit scores seeking owner-occupied financing. The 0.40% effective property tax rate, combined with a recent -4.4% inflation-adjusted tax shift, improves true monthly affordability. Reviewing Natchitoches Parish FHA loan limits and property taxes is essential when estimating your monthly payment with PMI and taxes.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.